The Canadian investment vehicle that’s driving up returns

Canadian Mortgages Inc. (CMI) and its private investment divisions CMI MIC and Canadian Lending Inc. lend out their own capital and that of its investors, mainly to consumers who don’t qualify for financing from A or B lenders. CMI’s primary focus is on the consumer residential space, across several provinces. The organization covers low, medium and high rate product offerings.

"We set things up in a way that makes our investors the centre of our attention and focus. The nuts and bolts of what we do is very simple; we represent the investor to help them put their funds into suitable investments,” says Bryan Jaskolka, CMI Vice President.

To effectively manage its operations, CMI has established proprietary software to automate and optimize its workflows. The commitment to technology also enables CMI’s investment professionals to closely monitor and manage the process for delivering results. “All of our services are driven by high standards; the automation and software, the progressive policies to keep things moving,” Jaskolka adds. “But, it's also our approach to that process, our transparency in how we ccommunicate with clients. That’s really our strength."

Jaskolka believes in delivering customized investments that meet the specific aims and risk tolerances of investors. “We're able to cater our products and services to each investor individually rather than a one size fits all, single product/yield investor program,” he says. “Some investors are very bearish while others are more bullish; some are after smaller loans, others larger, some want to be more hands on, others would like a totally passive experience, and for that we recommend our MIC. We're able to cater to all of these different needs."

In an age of such market complexity, transparency is something that every investor should demand. "It still shocks me today when I run into investors who haven't seen appraisals, who haven't seen supporting documentation or disclosure documents,” Jaskolka says. “It's shocking to me because we send investors absolutely everything we can get our hands on."

Jaskolka believes that this lack of transparency leads many high net-worth individuals to steer clear from investing, and is precisely why CMI doubles down on communication. "Having a personal relationship with our investors has been one of the key drivers to our success," he says. "Ultimately, we have our own portfolio and the processes we use to manage that are exactly the same as the ones we use to manage our clients' money. We really do believe in that. We have those personal relationships, but we also have experience in managing expectations so investors know exactly what they’re getting into.”

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